Sicredi Vanguarda PR/SP e RJ
“Can a regional credit cooperative deliver a full-stack digital bank to SMBs and agribusiness in PR/SP/RJ by leveraging the shared Sicredi cooperative infrastructure?”
Founded1983
HQMedianeira, Paraná, Brazil
IndustryBank / Cooperative (Brazil)
The story
Sicredi Vanguarda PR/SP e RJ is one of the ~120 credit cooperatives that make up the Sicredi System — Brazil's largest cooperative financial institution. It operates the full Sicredi product suite (accounts, cards, credit, investments, insurance) in Paraná, São Paulo and Rio de Janeiro under the shared Sicredi technology and regulatory stack, meaning most of the embedded finance rails are operated centrally by Sicredi and the Banco Cooperativo Sicredi.
Last 12 months
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Product timeline
1983
Founded as one of the cooperatives of the Sicredi System, based in Medianeira, PR.· founding
Regulated entities
1
regulatory licence held by Sicredi Vanguarda PR/SP e RJ
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Sicredi Vanguarda PR/SP e RJ was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
10 layers disclosed in Sicredi Vanguarda PR/SP e RJ’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Insurance
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Investing
in the full report
Accounting gap: none
18 more providers across 9 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.